Posts Tagged ‘aircraft’

The Facts about Aircraft Insurance Deductibles

Wednesday, July 16th, 2014

When shopping for any medium of insurance, deductibles tend to be a top concern. Most insurance policies, whether for your car or medical insurance, contain some sort of deductible. Aircraft insurance policies can contain deductibles, too, but can be handled in a way that is different than the other policies you may be used to.

Fact 1: There is no such thing as a hidden deductible.

Some aviation insurance companies claim in their advertising that they have no hidden deductibles when the truth is that there is no such thing as a hidden deductible. Each carrier is upfront about these and since AIR believes in service with integrity, these are represented clearly when obtaining a quote.

Fact 2: Most light aircraft policies have a set deductible

Aircraft insurance premiums are based on pilot experience as well as the aircraft type and hull value. Currently, most insurance carriers have set or fixed deductibles, including many that offer $0 deductibles for all the aircraft they insure. In effort to streamline policy processing and market conditions, the majority of aviation insurance companies have eliminated deductible options.

Fact 3: There are two types of deductibles: In Motion and Not in Motion

Aircraft insurance policies contain two types of deductibles: those for claims that happen while the aircraft is in motion and those while it is not in motion. As the definition of “in motion” can vary, it is important to read the wording in the definitions section of your policy. Your deductibles will be clearly stated on the declarations page of your policy as well as on your quotation from Aviation Insurance Resources.

Before purchasing aircraft insurance, whether you’ll be flying a Cessna 150 or a Cessna Citation to a seaplane or a helicopter, it is important to know the facts. Sometimes, the subject of deductibles can be confusing. We hope this blog has provided some insight for your research. As always, our agents and pilots at AIR look forward to sharing those facts with you.

To learn more about your policies deductibles or to receive an aircraft insurance quote, please contact Aviation Insurance Resources by calling 877-247-7767 or visit today! You can also find us on FacebookTwitterLinkedIn, and Google+.

Is Your Aircraft Insurance Policy Below Industry Standards? –Part 3

Wednesday, July 9th, 2014

We invite you to explore your options in aviation insurance. Direct aircraft insurance writer, AVEMCO, promotes that they are the only insurance carrier to provide coverage in the event of a loss when an individual’s medical, flight review or aircraft annual has lapsed.  In fact, most insurance companies that Aviation Insurance Resources (AIR) represents cover this type of loss.

Most pilots are responsible, detail oriented people who maintain currency on their flight review,  medical certificate (if required) and annual inspection.  However, sometimes in our busy lifestyles time gets away from us and it may be easy for that end of the month responsibility to quickly pass by. It is important to remember that whenever you sign an aircraft insurance application with any company including AVEMCO  you are attesting to the terms and conditions on that application. In most cases, that also includes your currency at that point in time. If you are not current at the time of signing make sure you note that on your application so you are not attesting to something that is not a true statement.

We are pilots and aircraft owners and don’t believe in “gotchyas!” or surprise loopholes in aircraft policies. If you have a concern, we can address this with you upfront before binding coverage. Open your eyes to a better value!

To see if your policy is up to industry standards, please contact Aviation Insurance Resources by calling 877-247-7767 or visit today and receive your aircraft insurance quote! You can also follow us on FacebookTwitterLinkedIn, and Google+.

Get into the AIR with gyroplane insurance from Aviation Insurance Resources

Tuesday, March 11th, 2014

The gyroplane, also known as an autogyro or gyrocopter made its mark early in aviation history, first flown in January of 1923. Since then, gyroplanes have been catching the hearts of pilots around the world. Amelia Earhart even had to get in on the action, breaking a women’s world altitude record in a gyroplane in 1931. With the ability to fly as a helicopter including STOL (short take-off and landing) and float capabilities, the gyroplane is a unique class of aircraft offered in the aviation market that includes that “rotor wing flying” experience. To properly protect a gyroplane, an insurance agency knowledgeable in the rotor wing industry is a must. That company is Aviation Insurance Resources (AIR).

As pilots themselves, AIR agents understand the unique nature of obtaining rotor wing insurance. In fact, they recently invited aviation insurance underwriters to join them on some gyroplane flights so that they could experience first-hand how safely and easily gyroplane aircraft are handled. The fact that AIR is willing to go the extra mile (or fly it!) ensures they are meeting their aviation insurance customers’ needs. Making the customers’ needs priority one is what ranks them among the most respected aviation insurance brokers in the industry.

Do you own or are looking at purchasing a Vortex, Lightning or the new Sportcopter II gyroplane? Perhaps an AutoGyroUSA MTO Sport, Calidus, or Cavalon or a Magni Gyro? Regardless of the brand of the gyrocopter, AIR agents are here to assist you with your gyroplane insurance every step of the way. AIR will get you covered so you are on your way to experiencing “rotor wing flying” in your very own gyrocopter.

Founded in 1999, Aviation Insurance Resources is licensed in all 50 states and has regional offices throughout the country to serve you better! If you are interested in learning more about gyrocopter insurance, helicopter insurance, or aircraft insurance discounts, please contact Aviation Insurance Resources by calling 877-247-7767 or visit today to receive your free Aircraft insurance quote!

AIR Agents to Attend U.S. Sport Aviation Expo

Tuesday, January 14th, 2014

SebringTime flies and especially for pilots! It is time again for light sport aircraft enthusiasts to gather in sunny Florida for the U.S. Sport Aviation Expo! Whether you fly in or drive in, are a present light sport owner or just looking, the Expo has something for everyone.

The U.S. Sport Aviation Expo kicks off this Thursday, January 16th and continues throughout the weekend. Each day, attendees can participate in aviation workshops and forums and other activities. Enjoy performances by the Flying Musicians and stop by Show Center at 1:30 to see which keynote speaker is featured. Next enjoy the manufacturers showcase and an airshow at the Main Stage. It all ends Sunday at 2:30pm with awards, prizes and the 4th Annual Sebring Send-Off to the Bahamas!

From the Seaplane Base to the Main Stage, Aviation Insurance Resources agents Chris Wolbert and Joe Cacho  will be on the grounds of the Expo this week. They are looking forward to sharing their knowledge of LSA aircraft insurance, meeting new friends and catching up with current customers.


What is a Light Sport Aircraft?

Light Sport Aircraft include everything from tail draggers and tri gear to Floatplanes and Amphibians. So what actually qualifies as a Light Sport Aircraft? According to the FAA, requirements include:

1. The aircraft has a single, non-turbine engine

2. The aircraft has fixed landing gear

3. The aircraft holds a maximum of two occupants

4. The aircraft has a maximum take-off weight of 1,320 lbs.

5. The aircraft has a 45-knot clean stall speed

6. The aircraft has a 120-knot top speed at maximum continuous power


Light Sport Aircraft Insurance from Aviation Insurance Resources

Licensed in all 50 states, AIR provides a wide range of aircraft insurance options for aircraft of all  makes and models, from Light Sport Aircraft to large jets. AIR offers insurance on several LSA makes and models including, but not limited to: BushCat, Flight Design CT , Czech Sportcruiser, Cubcrafters, Carbon Cub, Evektor, Tecnam, Cessna Skycatcher 162, Bristell, and more!

If you need assistance in understanding Light Sport Aircraft insurance or wish to find out what aviation insurance discounts are available, please contact Aviation Insurance Resources by calling 877-247-7767 or visit today and receive a free Aircraft insurance quote!

You can also follow us on Facebook, Twitter, LinkedIn, Pinterest, and Google+.


Understanding Light Sport Aircraft

Thursday, January 2nd, 2014

by Victoria Neuville
From: Aviation Digest; January 2014

Excitement. Travel. Freedom. These are all words many pilots use to describe what it is like to fly. Today, there is a plethora of aircraft options tailored to fit these descriptions and the needs of each and every pilot. In 2004, the FAA added a new category of aircraft: Light Sport Aircraft, or LSA. By adding this category, a new genre of pilot certification was also introduced, the sport pilot. Reduced training minimums and removing medical requirements allowed many pilots to take to the air again, or for the first time. These breakthrough additions were not popular at first, but are gaining momentum now more than ever.

Inexpensive.  Advanced.  No medical required. These are some of the many reasons pilots list regarding their decision to purchase or rent a light sport aircraft. What qualifies as a light sport aircraft? The aircraft must meet several requirements to include: a two seat maximum, a maximum take-off weight of 1,320 pounds and a 45 knot clean (no flaps extended) stall speed. In addition, the aircraft must have a single, non-turbine engine and fixed landing gear. Requirements can differ for amphibious LSAs.

While several new models have entered production to specifically fit these requirements, many vintage and other standard category aircraft have also been able to squeeze into this category. Many Aeronca and Taylorcraft airplanes are able to fly under light sport rules. Another popular existing model is the Piper Cub.

LSA pilots, like the aircraft they fly, must meet certain requirements, although these are a bit more relaxed compared to the private pilot certificate. A major benefit to the sport pilot rating is that an aviation medical certificate is not required: A valid driver’s license will do. However, if you have been previously declined a medical by the FAA, you may not fly under sport pilot rules until the medical situation has been reviewed. In addition, the Code of Federal Regulations 61.23(b) states “a person shall not act as pilot in command, or in any other capacity as a required pilot flight crewmember, while that person knows or has reason to know of any medical condition that would make the person unable to operate the aircraft in a safe manner.” When in doubt if you are able to fly legally under sport pilot rules, consult your physician.

Earning a sport pilot certificate is cost effective as minimum flight training time for sport pilots is 20 hours, versus the 40 hours required for a private pilot. An FAA sport pilot knowledge test and practical exam are also required. However, a sport pilot certificate does have its limitations. All flights must be conducted in day visual flight rules (or VFR) conditions. Flights also cannot be performed for hire or for business use. Sport pilots wishing to become sport flight instructors must complete the fundamentals of instruction training and knowledge test, as well as a sport pilot instruction written test and practical flight. Additionally, they must have five hours experience in the make and model aircraft before giving dual instruction. Pilots who are already flight instructors may instruct in sport planes without any additional FAA requirements.

Ease. Experience. One call. With the dawn of the light sport market came the need for LSA specific insurance products. Aviation Insurance Resources (AIR) was quick to provide a variety of options to suit their needs.

Aircraft insurance is available on many levels for light sport aircraft. At a minimum coverage for bodily injury and proper damage is available, often known as “liability only”. For those wishing to protect the hull of the aircraft, physical damage is also available. There are several options available for the hull coverage, first being full, in-flight coverage. Others include ground-not-in-motion or ground and taxi only coverage.

These products can protect LSAs categorized as standard certified LSAs as well as amateur built (experimental) LSAs. For those constructing their own amateur built LSA or restoring a vintage classic, builders risk policies are available during the process, regardless of piloting experience. For those who chose to rent versus purchase their very own LSA, non-owned, or renters insurance, is also available and covers flying an LSA aircraft.

When contacting your insurance agent for a policy on an aircraft you own, it is helpful to have some information handy. First being aircraft information, such as N#, make and model, and the hull value you are considering. Next, flying history on the pilots that will be flying the aircraft is needed. This includes full names, age, and ratings. An estimate of flight times, specifically, time in the make and model of aircraft being insured and time flown in the last 12 months will also be requested.

Kyle Grim, the owner of a Rans S7 LSA recently stated, “I love my LSA’s unique capabilities and was impressed how easily AIR was able to understand what I need in insurance to ensure my piece of mind.”

To keep more cash in your wallet for avgas, there are several opportunities for insurance discounts.  Be sure to inform your agent if your aircraft is kept in a hangar at your airport base: Many times discounts are available for keeping it safely tucked away. Members of aviation organizations such as AOPA and EAA can also receive extra insurance perks and discounts through certain insurance carriers. Be sure to have your organization member number handy when shopping for an insurance quote. Some carriers offer up to 5% off non-owned coverage for those that complete a WINGS – Pilot Proficiency Program phase prior to their renewal. Others offer discounts on owned aircraft policies when a WINGS phase or annual recognized training is completed.

Whatever words you chose to use to describe your passion for flight or your type of aircraft, safety and peace of mind are words you cannot ignore. The agents at AIR will be happy to help you find an insurance package that is right for you as you navigate the new world of light sport aircraft so you can focus on the words that mean the most to you.



AIR offers a wide range of aircraft insurance options for aircraft of all makes and models, not just light sport! From experimental aircraft to standard aircraft, such as Cessna Aircraft, Beechcraft, and Cirrus Aircraft to Robinson Helicopters, builders risk insurance, and Corporate Aircraft. AIR works with ALL the major aviation insurance markets and can help you find aircraft insurance discounts.


Click Here for a FREE Aircraft Insurance Quote!


To find out more about when your own quote will be ready, please contact Aviation Insurance Resources by calling 877-247-7767 or visit today to receive your free Aircraft insurance quote!


You can also follow us on Facebook, Twitter, LinkedIn, Pinterest, and Google+.


AIR Offers Insurance Discounts for OpenAirplane Users

Thursday, November 7th, 2013

open airplane logoThe OpenAirplane Network was created to make aircraft rental easier, connecting more than 5,000 pilots in one, easy-to-use system. Open irplane makes it easy to find, book, fly, and pay for aircraft rental online or with a mobile device. Now pilots everywhere can rent aircraft without the hassle and expense of a local checkout.

Thanks to an exclusive partnership with Starr Aviation, Aviation Insurance Resources (AIR) now offers members of the OpenAirplane Network up to 10% in savings on their renters insurance!  A 5% discount is available for pilots who have completed the OpenAirplane Universal Pilot Checkout. Simply provide your insurance agent with a copy of the OpenAirplane Universal Pilot Checkout prior to binding coverage to receive your discount. Pilots that are claim free will receive an additional 5% discount resulting in a total of 10% in savings!

The OpenAirplane Network, Rental Aircraft Insurance and Commercial Insurance from Aviation Insurance Resources (AIR)

Aviation Insurance Resources (AIR) and Starr Aviation have been steadfast supporters of OpenAirplane since its creation, assisting OpenAirplane on the insurance side of their program. AIR works with Starr Aviation on renters insurance, pleasure and business policies and on commercial insurance. We are premier partners with Starr Aviation and have been able to create insurance options for those using the OpenAirplane network, making insurance coverage readily available and competitive. Because of this unique partnership, our two companies are the most familiar with OpenAirplane requirements in the aviation insurance market.

AIR offers a wide range of aircraft insurance options for aircraft of all makes and models, from experimental aircraft to standard aircraft, such as Cessna Aircraft, Beechcraft, and Cirrus Aircraft to Robinson Helicopters, builders risk insurance, and Corporate Aircraft.

To find out more about the OpenAirplane Network and Aviation Insurance, please contact Aviation Insurance Resources by calling 877-247-7767 or visit today to receive your free Aircraft insurance quote!

Beware of Birds and Wildlife During This Fall Migration

Wednesday, May 23rd, 2012

by Victoria A. Brown
Reprinted with permission from FAA Aviation News

We have all seen it in the movies’ that grand exit of the main character of any typical action flick, the glorious take off of the courageous leading man in a small, but capable, plane. As the plane ascends, it flies right through a flock of birds and our leading man flies side-by-side with our winged friends and eventually soars off into the horizon for a perfect ending. Yes, we have all seen it, but we know life isn’t like the movies. As much as Hollywood would like you to believe it, aircraft, no matter how big or small, are not invulnerable to birds. A bird strike can be very dangerous and damaging to the aircraft’ not to mention the bird.

Wildlife or bird strikes aren’t a new phenomenon. They have occurred since the beginning of flight. The first ever bird strike was recorded by Orville Wright on September 7, 1905. His plane struck a bird (believed to be a red-winged blackbird) over a cornfield near Dayton, Ohio. Although bird strikes are the most common, they are not the only wildlife threat posed to aircraft. Pilots must always be cautious of ground animals like deer, rabbits, bears, and even reptiles, such as alligators or turtles. According to the July 2007 U.S. Department of Agriculture/Federal Aviation Administration report, Wildlife Strike to Civil Aircraft in the United States 1990-2006, the state of California has the most bird strikes on record with 6,184 reports since 1990. New York and Texas reported the most mammal strikes on record with 134 and 147 strikes respectively, and Florida reported 46 reptile strikes. Surprisingly, New York came in second with 21 reptile strikes. Figures from the FAA Mitigation Web site show that just in the first five months of 2007 there have been more than 2,200 wildlife strikes reported for civil aircraft in the United States.

The majority of wildlife strikes aren’t reported. However, since 1990, there have been 83,315 reported wildlife strikes. Of those, 75,731 reports involved civil aircraft and 7,584 reports involved military aircraft at joint use airports. Wildlife strikes cause an estimated $603 million in damages to U.S. civil aircraft annually.

Bird strikes are most frequent during migration seasons in the fall. With the fall migration season approaching, FAA Aviation News wants to remind you to be extra vigilant. As always preparation and strategic action can help you mitigate wildlife encounters. Here are some tips to help you avoid run-ins with birds and other wildlife.

For Bird Encounters (no matter what shape, size, or number):

Keep all external aircraft lights on. Somehow birds are able to sense airplane lights and try to avoid them.

Unless close to the ground, pull up and gain altitude whenever possible around birds. Normally, birds tend to dive down to avoid the aircraft.

Allow more then the minimum recommended altitude over bird sanctuaries/refuges/national parks. By having more altitude, the aircraft has a larger buffer zone, which provides more reaction time. The more reaction time the pilot has the better the chance to mitigate or avoid an unplanned encounter. You can find this information along with the locations of sanctuaries at the U.S. Fish and Wildlife Service

Whenever possible, wear protective eyewear. Even a small piece of debris can cause a major problem to your eyes.

For other wildlife (i.e. deer, elk, moose, fox, coyote, rabbits, wild dogs, and bear):

At airports that have active control towers, you should report any animals spotted in the airport environment. Tower personnel should pass the information to the airport manager’s office, which should send someone in a vehicle to chase the animal away.

At non-towered airports, if wildlife is spotted inside the perimeter, you should contact the fixed based operator (FBO). Someone may be available to chase the animal from airport boundaries. Also, listen to the radio at least 10 nautical miles out. There may be someone ahead of you who has already spotted wildlife. This is also good advice for general situational awareness.

During night operations, the FBO is still your best source of information. If no one is available, then carefully and safely announce your intentions.

  • Before takeoff, taxi down the runway to try and scare any animals around the runway away.
  • When landing, make a low fly-by down the runway. This will allow the pilot to see what may be on the runway and, hopefully, scare away any wildlife grazing along side the runway

Of course, the best advice is to be cautious. During migration seasons for our feathered friends, it is wise to be extra vigilant and cautious. The same applies for our four-legged deer friends, especially during the fall mating season.

For extra help, you can check out the FAA wildlife mitigation Web site This Web site contains data and reports on wildlife strikes that date as far back as 1990. Another Web site that will be very helpful to you is the Avian Hazard Advisory System This Web site is a risk assessment tool that provides the user with a standardized measure of bird strike risks for low-level routes.

The United States Bird Avoidance Model is the primary assessment tool for the U.S. Air Force. It is an historical archive for bird strike information.

The Notices to Airmen (NOTAM) is good way to see where bird strikes have occurred for that particular day as well as any flight restrictions. These can be found on the FAA Web site The information is available to help you navigate your way against bird strikes.

Although we can’t always have the heroic Hollywood take-off, we can ensure a smooth and safe flight by being mindful and careful of the wildlife that surrounds us.

Thanks to Sandra Wright, manager of the FAA Wildlife Strike Database, for her help and contributions to this article.

The AutoPilot Magazine: Aviation Insurance Resources

Tuesday, April 17th, 2012

Service with integrity from the professionals you know and trust.

The date and time of Jon Harden’s firing is still clear in his memory. What wasn’t so clear at 10:30 a.m. on Nov. 16, 1998, were the opportunities that were about to open up for Harden, and the brand-new business he would launch as a result: Aviation Insurance Resources (AIR), or AIR-PROS.

Harden had been in charge of aviation insurer Avemco’s regional sales offices, and before he knew it, the company launched a corporate restructuring that eliminated the entire network. Harden was convinced then, as he is now, that experienced aviation insurance agents with direct personal knowledge of their customers, provide the best service, lowest prices and lowest risks for insurers.

A few weeks after being escorted out of Avemco’s headquarters in Frederick, Maryland, Harden assembled a team of experienced former colleagues committed to providing the highest personal service to GA clients.

All of his current team had been similarly displaced. Instead of bringing them to one central office, however, Harden kept them in place, just as they had been at Avemco.

“I felt strongly that our people should be in the field, close to their customers, so they could provide the very best service,” says Harden. “It’s the right way to run a business.”

Harden founded AIR in 1999. The company has 15 employees working in four regional offices: Frederick, Maryland; Orlando, Florida; Thousand Oaks, California, and Bradford, Pennsylvania. All AIR agents are GA pilots, and many own their own aircraft.

AIR is licensed to do business in all 50 states. It started from the ground and has grown into one of the country’s largest GA insurance agencies.

“It’s hard—maybe impossible—for non-pilots to know aviation as intimately as we do,” says Harden, a commercial pilot and CFII, who has been flying since 1979 and owns a Cessna 180 and Pitts S1S. “We’re aviation people. We love being part of this industry, and we know this market better than anyone else.”

Harden has had many opportunities to branch out into auto, marine, or other types of insurance but always resists. “We’re committed to aviation, and aviation will remain our sole focus,” he says. “Our commitment goes a long way with our customers; it’s what sets us apart from the competition,” adds AIR Regional Vice President and commercial pilot Chris Wolbert.

Despite two challenging years for the broader aviation industry in 2008 and 2009, AIR has continued to expand the number of policies it writes, which is mostly through word-of-mouth recommendations from its existing customers.

In recent years, AIR has moved aggressively to convince insurance underwriters to back the fledgling Light Sport Aircraft (LSA) category. The company even helped structure and sell some of the first policies for LSA flight schools.

“I’m proud of the work we did helping LSA flight schools get started,” he says. “It’s going to be good for the aviation industry in the long-run because the lower operational costs of LSAs are going to attract more people to aviation.” AIR also writes policies for turbine aircraft owners, FBOs, corporate flight departments, flight schools and charter operations.

The company exhibits annually at both Oshkosh, Wisconsin’s EAA AirVenture and Sebring, Florida’s U.S. Sport Aviation Expo. It also attends AOPA’s Aviation Summit; NBAA’s conventions; and Lakeland, Florida’s Sun ’n Fun International Fly-In & Expo in addition to many regional fly-ins.

Furthermore, Harden says an influx of new insurance underwriters has lowered premiums dramatically for turbine aircraft in the last three years, with premiums falling 25 to 50 percent during this period. A similar trend has reduced insurance costs for piston aircraft owners too but not nearly so steeply.

According to Harden, insurance costs for consumers have stabilized and are unlikely to sharply move up or down for the foreseeable future. “I don’t see any dramatic changes on the horizon for either the turbine or piston market,” he says.

Aircraft owners are advised to evaluate aviation insurance agents carefully and find one they trust and who has extensive industry knowledge. AIR has access to a spectrum of large and small insurance underwriters, and Harden’s agents work hard to find the best possible options for customers, whether the agents are writing new policies or renewing existing ones. “One call to us allows a customer to shop the entire market,” says Harden.

“Although we’re large, we treat our customers like we’re a small company,” adds AIR agent and private pilot Gregg Ellsworth.

AIR’s steady growth continues to be gaining one customer at a time through one referral at a time. As part of AIR’s growth, it’s acquired agencies over the years and would consider obtaining others in the future; however, AIR is extremely selective.

“Our approach to business success is simple,” Harden explains. “We stay focused on market trends, and we do the best we possibly can for our customers. Integrity and customer service are our core values and has been the basis of our success to date, and it will be the basis of our success going forward. We take a long-term approach to our business without compromising our integrity. Our aspirations have never been to be the biggest, just the best. In hindsight, starting AIR was absolutely the best thing that could have happened to me. It was a shock and quite a struggle at first. But things have definitely turned out for the best.”

For more information, visit